Send me your toughest file.
YOUR CLIENTS
close on time.
I rescue the files other lenders kill - self-employed, ITIN, recent credit events, gift-fund buyers. Pre-underwritten with quick turnaround once docs are in. Your buyers walk to closing without surprises.
Structure first.Clean approvals.
Quick pre-underwrite
A real underwriter review, not LOS spit-out. Once the questionnaire is complete and required docs are in. I read every file as if I'm an underwriter.
21-day average close
And we tell you on day one if we can't.
Non-QM specialist
Bank Statement, DSCR, ITIN, 1099 - the files banks miss.
I save the deals
When other lenders kill the file, send it here.
THREE OTHER BROKERS SAID NO. I said let me run the numbers.
The big banks are great when your buyer fits a perfect box. When they don't, the file gets killed - and so does your commission. The situations I solve:
ITIN Buyer, no SSN, no credit score profile
There are real fixed-rate programs for this - not the predatory stuff. Down payments typically from 15%.
Moved Mobile Home Investment
A manufactured home that's been relocated, bought as investment property - the file most lenders won't touch. There are lenders who will. I shop them.
Didn't Know They Qualified
Lifelong renters who never knew a specialty loan could put them in a home with little to nothing down. The first step is just running the numbers.
Investor Scaling
I bought my first home, then a rental Airbnb - so when I structure an investor file, it's from someone who's actually done the deal, not just quoted one.
BUILT FOR REALTORS who refer the hard files.
Pre-approval letters that mean something
Issued by Jon after a real underwriter review — not a printable scrap. Quick turnaround on a complete file. The letter your buyer hands a seller actually holds up.
Direct line to Jon
Not a 1-800. Text him during open houses. He answers.
400+ loan products
Including Non-QM programs banks don't carry. Your buyer doesn't lose to 'we can't do this loan.'
21-day average close
And on the rare deal we can't, we tell you day one. No 45-day surprises.
YES, I HOLD A REAL ESTATE LICENSE.
No, I am not your competition.
I hold an active real estate license. I keep it for one reason: representing my own family and a small circle of close family friends. That is it.
The referral reality
My mortgage license covers 49 states. My real estate license covers exactly one: Texas, and I only use it for family. That math means I am sending buyers and sellers out the door constantly, to trusted realtor partners in every market I lend in. Even here in Texas, when a client needs an agent, I am not the agent. You are.
My business is loans, not listings
I chose origination. Nine years in real estate taught me the agent's side of the transaction, which makes me a better lending partner. I know what a delayed clear-to-close does to your weekend, and I know what it costs you when a lender goes quiet. But my business is loans, not listings.
The invitation
If you work a market where my clients are buying, I want to know you. The referrals flow one direction far more often than the other.
"Jon brings a lot of expertise and devotion to the table for his borrowers. I'd highly recommend working with Jon - you'll be in good hands."
Zak W, MN
"One of the most diligent people I've come across. He genuinely cares about the people he works with and doesn't give up when things get complicated. Would absolutely recommend him to anyone looking for a mortgage broker in the Fort Worth area."
- Kay A, KHovanian, DFW TX
"A great person to help you through a scary process. He was very patient with me and encouraging. Thank you for everything, Jon!"
- Maria M, San Antonio TX
REAL ANSWERS.
Quick turnaround on most files once the questionnaire and documents are in - typically a few business days. And it's a real one - I pre-underwrite every file myself, so far fewer surprises later. Final approval still depends on the appraisal, title, and the property, but your buyer walks in with a letter that's actually been underwritten, not just generated.
All of them. Especially the ones a big bank wouldn't touch: self-employed, ITIN, 1099, recent credit event, gift-fund-heavy, foreign national, investor with multiple properties.
My team helps families across 49 states. Every state except New York (working on it).
About 21 days on average, contract to close. And I tell you on day one if a file looks like it needs longer - no surprises at the table.
Yes. Text me at (469) 780-1155. That's my real cell.
I'm paid by the lender on every closed file. Realtors don't pay me anything. RESPA rules govern how brokers and realtors can work together, and I follow them strictly - that protects both of us.
Send me your toughest file.
Today.
Text the address, the buyer story, and what's blocking it. I'll come back same-day with a path - or tell you straight if there isn't one.
Book a 15-min call
I'll review your situation and tell you straight what's possible. Same-day slots usually open.
Pick a timeApply online
Full secure application in ~12 minutes. Get your documents in and we'll aim to have a pre-approval letter to you soon after.
Start application